Slide 1: Busey Investor Highlights
BUSE INVESTOR HIGHLIGHTS August 26, 2025
Slide 2: Forward-Looking Statements
Investor Highlights | August 2025 First Busey Corporation | Ticker: BUSE 2 Forward-Looking Statements Forward-Looking Statements This presentation may contain “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995 with respect to the financial conditi
Slide 3: Overview of First Busey Corporation (NASDAQ: BUSE)
Investor Highlights | August 2025 First Busey Corporation | Ticker: BUSE 3 Overview of First Busey Corporation (NASDAQ: BUSE) Differentiated Commercial Banking Franchise at Attractive Valuation Premier Commercial Banking Franchise KRX Median 2Q25 MRQ 4 $ in billions Total Assets $18.9 $32.0 Full-ser
Slide 4: First Priority: Balance Sheet Strength
Investor Highlights | August 2025 First Busey Corporation | Ticker: BUSE 4 First Priority: Balance Sheet Strength High Quality Loan Portfolio Stable Core Deposit Franchise Commercially-oriented portfolio is well-diversified by sector and geographic location 157+ year old franchise that has built tru
Slide 5: Optimizing Profitability
Investor Highlights | August 2025 First Busey Corporation | Ticker: BUSE 5 Optimizing Profitability Adj. PPNR / Average Assets 1.70% One year since announcement of CrossFirst Bankshares 1.46% 1.50% acquisition on August 27, 2024 1.42% 1.38% ▪ TBV-accretive acquisition of CrossFirst Bankshares was co
Slide 6: Disciplined M&A Growth
Investor Highlights | August 2025 First Busey Corporation | Ticker: BUSE 6 Disciplined M&A Growth Ten years of cultivating long-term franchise value through varied economic environments BUSE Tangible Common Book Value / Share (ex-AOCI) 1 $20.92 +6.3% 10-Year CAGR $26.5 million Dividend returned to p
Slide 7: Focused on Organic Growth
Investor Highlights | August 2025 First Busey Corporation | Ticker: BUSE 7 Focused on Organic Growth BRING COMPREHENSIVE EXPANSION IN NEW GROWTH BY ATTRACTING PRODUCT SUITE TO HIGH-GROWTH MARKETS & RETAINING TALENT ENTIRETY OF CLIENT BASE ▪ CrossFirst acquisition expanded Busey ▪ Demonstrated abilit
Slide 8: Unified Approach that Nurtures Comprehensive Client Relationships
Investor Highlights | August 2025 First Busey Corporation | Ticker: BUSE 8 Unified Approach that Nurtures Comprehensive Client Relationships “One Busey” go-to-market Operating Revenue Composition 1 $ in millions approach promotes a Adj. Nonint. Inc. / Op. Rev. Net Interest Income Wealth broad set of
Slide 9: Strategically Configured Regional Operating Model
Investor Highlights | August 2025 First Busey Corporation | Ticker: BUSE 9 Strategically Configured Regional Operating Model Enterprise-wide sales structure is organized by Built to deliver the client experience of a Each region has their own dedicated regional region – bringing full capabilities an
Slide 10: Seasoned Leadership Team
Investor Highlights | August 2025 First Busey Corporation | Ticker: BUSE 10 Seasoned Leadership Team Van A. Dukeman Mike J. Maddox Chairman & CEO, First Busey Corp. Vice Chairman & President, First Busey Corp. Chairman, Busey Bank President & CEO, Busey Bank Has served as Chairman & CEO of First Bus
Slide 11: Non-GAAP Financial Information
Investor Highlights | August 2025 First Busey Corporation | Ticker: BUSE 11 Non-GAAP Financial Information This presentation contains certain financial information determined by methods other than U.S. Generally Accepted Accounting Principles (“GAAP”). Management uses these non- GAAP measures, toget
Slide 12: Non-GAAP Financial Information (Unaudited)
Investor Highlights | August 2025 First Busey Corporation | Ticker: BUSE 12 Non-GAAP Financial Information (Unaudited) Pre-Provision Net Revenue and Related Measures Three Months Ended Six Months Ended June 30, March 31, June 30, June 30, June 30, (dollars in thousands) 2025 2025 2024 2025 2024 Net
Slide 13: Non-GAAP Financial Information (Unaudited)
Investor Highlights | August 2025 First Busey Corporation | Ticker: BUSE 13 Non-GAAP Financial Information (Unaudited) Adjusted Net Income, Average Tangible Common Equity, and Related Ratios Three Months Ended Six Months Ended June 30, March 31, June 30, June 30, June 30, (dollars in thousands, exce
Slide 14: Non-GAAP Financial Information (Unaudited)
Investor Highlights | August 2025 First Busey Corporation | Ticker: BUSE 14 Non-GAAP Financial Information (Unaudited) Tax-Equivalent Net Interest Income, Adjusted Net Interest Income, Net Interest Margin, and Adjusted Net Interest Margin Three Months Ended Six Months Ended June 30, March 31, June 3
Slide 15: Non-GAAP Financial Information (Unaudited)
Investor Highlights | August 2025 First Busey Corporation | Ticker: BUSE 15 Non-GAAP Financial Information (Unaudited) Adjusted Noninterest Income, Revenue Measures, Adjusted Noninterest Expense, Efficiency Ratios, and Adjusted Noninterest Expense to Average Assets Three Months Ended Six Months Ende
Slide 16: Non-GAAP Financial Information (Unaudited)
Investor Highlights | August 2025 First Busey Corporation | Ticker: BUSE 16 Non-GAAP Financial Information (Unaudited) Tangible Assets, Tangible Common Equity, and Related Measures and Ratio As of June 30, March 31, June 30, (dollars in thousands, except per share amounts) 2025 2025 2024 Total asset